Bernice Chau

  • Sr. Loan Officer
  • NMLS: 245002 CAL DRE# 01300642
  • (415) 412-5363
  • 3327 Castro Valley Blvd.
  • Castro Valley, CA 94546

As a lender who has been in the business since 1999, I enjoy helping clients choose a solid loan program that is just right for your needs. Whether this is your first home loan, your last, a loan for an investment property or a vacation home, or need to refinance, I would be honored to be your Senior Loan Officer.

Clients can rely on my experience, education, knowledge, and market research to choose a loan that fits their needs now and in the future without feeling pressured to commit.

Our first step is to discuss your needs and for me to share the loan programs that are out there for you. I understand securing a loan can often be a daunting process, but it is my goal to provide you with an experience that answers your questions, eases your mind, and allows you to feel secure in choosing a home loan that fits within your budget and your situation.

Concerned about the different loan choices? Let me explain the benefits of each and assess what makes the most sense for you and your family.

Not sure whether paying points makes sense? We can crunch the numbers together and I can show you how this might impact your finances.

Confused about the process, timing, what paperwork needs to be submitted? Let me ease the burden with guidance and trust that I can ease you through the process.

Self-employed? Recent job or family-life change? Circumstances that might cause you to worry about qualifying? I am a great listener who has experienced clients with many of your same situations and will be happy to listen with patience and without judgment.

Equal Housing Lender. Contact me at

All About Liens and Home Loans
All About Liens and Home Loans
Jun 16 2021   first time buyer first home first mortgage home loan apply for a first home loan
A lien is a property right someone else has on your property and gives the lienholder legal power to take your property as compensation if you default on your payments or break the contract terms. A mortgage is the most common type of property lien.... Read More
Is Buying A Home With Bad Credit A Smart Choice?
Is Buying A Home With Bad Credit A Smart Choice?
Jun 9 2021   zero down loan no money down home loan FHA loans VA Loans USDA loans
Have less-than-optimal credit? That doesn't necessarily mean you have to put your dreams of homeownership on pause. There are several factors that mortgage lenders consider when you apply for a loan, and there are even options available specifically... Read More
Is Buying A Home Without Real Estate Agent A Good Idea?
Is Buying A Home Without Real Estate Agent A Good Idea?
Jun 3 2021   pre-approved home loan pre-qualify home loan mortgage application online loan application how to buy a home online
Whether you're a first-time home buyer or an experienced homeowner, you may be wondering if it's truly necessary to work with a real estate agent when buying a property. Here's what you need to know about working with an agent and how to go about... Read More
How Does A Home Equity Line Of Credit (HELOC) Work?
How Does A Home Equity Line Of Credit (HELOC) Work?
May 26 2021   heloc refinance line of credit refi home mortgage home equity
A home equity line of credit (HELOC) is a type of mortgage loan that acts similar to a credit card, except the line of available credit is tied to your home's equity. So instead of using funds advanced to you by a creditor, you use the cash from the... Read More

This site uses cookies to process your loan application and other features. You may elect not to accept cookies which will keep you from submitting an loan application. By your clicked consent/acceptance you acknowledge and allow the use of cookies. By clicking I Accept you acknowledge you have read and understand Bay Area Funding Group's Privacy Policy.